Which mortgage calculator should you use first?
If you are still setting a home-buying budget, start with the home affordability calculator. If you are comparing renting with buying, use the rent vs buy calculator before estimating a specific mortgage payment. Once you know the price range, use the mortgage calculator for taxes, insurance, PMI, HOA, and extra payments.
Current homeowners can start with the refinance calculator to test a lower rate or the payoff calculator to compare extra principal payments. Each tool keeps assumptions visible so the estimates are easier to compare.